Life Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Under a jumping juvenile life insurance policy, what happens to the face amount when the insured child reaches age 21?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
A jumping juvenile policy is a whole life policy on a child whose face amount is set to increase automatically, usually doubling, when the child reaches age 21 (or a similar specified age). The premium is based on the child's very young age, and the increase occurs without an increase in premium and without evidence of insurability. This lets parents lock in low, insurable coverage at a level the child can later continue as a young adult.
Why the other options are wrong
- B) The face amount rises at age 21; it does not decrease with the child's attained age.
- C) The benefit does not remain level; the automatic increase is the defining feature of the jumping juvenile product.
- D) No medical exam or proof of insurability is required for the automatic increase at the stated age.
Memory hook
Jumping juvenile: the death benefit jumps up at 21, premium stays put. Cheap childhood insurance that grows up with the child.